Financial crisis are banking crisis as banks are inherently fragile due to the small reserves and capital they have at any given time. This is the major flaw of our fractional reserve banking system. Unless this is changed for the better, we'll continue to have booms and busts and the monetary cranks will blame this on "systemic risk" (as it's some uncontrollable event no one saw coming) while not addressing the heart of the problem (which is too little reserves and too little capital as banks can create money out of thin air) . The two charts depict this weakness and the lower the readings the more fragile the banking system (all other things remaining the same).

You might want to read two articles I published recently: http://www.ecpofi.com/2015/08/the-economic-significance-of-saving.html and http://www.ecpofi.com/2015/08/the-economic-meaning-and-consequences.html#.Vff8phGqqko